Market Overview
Home Prices in Terra Alta, WV
The median home value in Terra Alta, WV is $176,348 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.9% compared to a year ago and up 3.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Terra Alta are priced57% below average. Terra Alta is part of the Morgantown, WV metro area.
Over the past five years, Terra Alta home values have risen by approximately32.1%, reflecting strong long-term appreciation in this market.
Price History
Terra Alta Home Price Trend
City Comparison
Terra Alta vs. National Median
At $176,348, homes in Terra Alta cost 57% below the national median of $410,000. This makes Terra Alta a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Terra Alta?
20% Down Payment
$35,270
on $176,348
Monthly P&I
$920/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,168/mo
incl. taxes & insurance
Income Needed
$46,720
gross annual (30% rule)
10% Down Option
$17,635
+ PMI applies
Loan Amount (20% dn)
$141,078
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Terra Alta, WV?
The median home value in Terra Alta is $176,348 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.9% year-over-year.
How much have home prices changed in Terra Alta?
Over the past year, home values in Terra Alta have increased by 4.9%. Over five years, prices have risen approximately 32.1%.
How much do I need to earn to buy a home in Terra Alta?
To comfortably afford the median home price of $176,348 with a 20% down payment ($35,270) at today's rates (6.8%), you'd need a gross annual income of approximately $46,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Terra Alta compare to the national average home price?
The national median home value is approximately $410,000. At $176,348, homes in Terra Alta are 57% below the national average.
What metro area is Terra Alta part of?
Terra Alta is part of the Morgantown, WV metropolitan area. Home prices and market conditions can vary across the broader metro region.